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BlueCare Plus Select (HMO D-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for BlueCare Plus Select (HMO D-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on BlueCare Plus Select (HMO D-SNP) in 2026, please refer to our full plan details page.
BlueCare Plus Select (HMO D-SNP) is a HMO D-SNP plan offered by BlueCross BlueShield of Tennessee available for enrollment in 2025 to people living in Tennessee. This plan received an overall rating of 3.5 out of 5 stars in 2026.
It's important to know that BlueCare Plus Select (HMO D-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
BlueCare Plus Select (HMO D-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about BlueCare Plus Select (HMO D-SNP).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For BlueCare Plus Select (HMO D-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $27.70. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $615.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $9250.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The BlueCare Plus Select (HMO D-SNP) Medicare plan has an annual prescription drug deductible of $615. For Tier 1 preferred generic drugs, the plan offers no copay for one-month, two-month, and three-month supplies at standard pharmacies and standard mail-order services. This ensures that essential generic medications are accessible without any upfront copayment. For Tier 2 preferred brand drugs, Tier 3 non-preferred drugs, and Tier 4 specialty drugs, members are responsible for a 25% coinsurance at standard pharmacies and standard mail-order services. This 25% coinsurance rate applies to one-month, two-month, and three-month supplies for Tiers 2 and 3, as well as one-month supplies for Tier 4 specialty medications.
Additional Benefits
The BlueCare Plus Select (HMO D-SNP) plan covers core medical services with a mix of copayments and coinsurance. Inpatient hospital stays require a copayment of $2,054 per acute stay and $2,020 per psychiatric stay, while skilled nursing facility stays feature no copay for the first 20 days followed by a $218 daily copay. Most outpatient services, doctor visits, diagnostic tests, and emergency care have no copay but require a 20% coinsurance. For supplemental care, this plan offers no copay and no coinsurance for home health services, chronic illness meals, over-the-counter items, and up to two hearing aids every three years. Preventive and comprehensive dental services also feature no copay or coinsurance up to a $3,000 annual limit. Routine vision and hearing exams carry no copay and a 20% coinsurance, alongside a $400 annual allowance for eyewear.
Inpatient Hospital See details
BlueCare Plus Select (HMO D-SNP) covers inpatient acute and psychiatric hospital stays with no coinsurance, though prior authorization is required. There is a $2,054 copayment per acute stay and a $2,020 copayment per psychiatric stay, but additional days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services are covered by BlueCare Plus Select (HMO D-SNP) with no copay and a 20% coinsurance for outpatient hospital, ambulatory surgical center, substance abuse, and blood services. Prior authorization is required for outpatient hospital, ambulatory surgical center, and outpatient substance abuse services.
Partial Hospitalization See details
Partial hospitalization is covered by BlueCare Plus Select (HMO D-SNP) with no copay and a 20% coinsurance, though prior authorization is required.
Ambulance and Transportation Services See details
BlueCare Plus Select (HMO D-SNP) covers ground and air ambulance services with a 20% coinsurance and no copay. Transportation services are partially covered, offering unlimited one-way trips to plan-approved health-related locations via bus or subway with no copay or coinsurance, though transportation to any health-related location is not covered.
Emergency Services See details
Emergency services are covered by BlueCare Plus Select (HMO D-SNP) with a 20% coinsurance and no copay, with the coinsurance waived if you are admitted to the hospital within 24 hours. Urgently needed services also require a 20% coinsurance and no copay, but for worldwide emergency services, some services are covered while worldwide emergency coverage, worldwide urgent coverage, and worldwide emergency transportation are not covered.
Primary Care See details
BlueCare Plus Select (HMO D-SNP) covers primary care, specialist, therapy, and mental health services with no copay and a 20% coinsurance. Chiropractic services are partially covered, as other chiropractic services are not covered under this plan.
Preventive Services See details
Preventive services are partially covered by BlueCare Plus Select (HMO D-SNP), offering no copay and no coinsurance for Medicare-covered zero-dollar services, memory fitness, and remote access technologies. Other covered services, such as kidney disease education, glaucoma screenings, and diabetes self-management, feature no copay but require a 20% coinsurance. An annual physical exam and several supplemental benefits, including health education, in-home safety assessments, and personal emergency response systems, are not covered.
Hearing Services See details
BlueCare Plus Select (HMO D-SNP) covers hearing exams with no copay and a 20% coinsurance for one routine exam per year, alongside unlimited fitting evaluations. Prescription hearing aids are partially covered with no copay and no coinsurance for up to two aids every three years, though inner ear, outer ear, over the ear, and OTC hearing aids are not covered.
Vision Services See details
Vision services are partially covered by BlueCare Plus Select (HMO D-SNP) with no copays, no deductibles, and a 20% coinsurance for routine eye exams and contact lenses. The plan provides a $400 annual combined maximum for one pair of eyeglasses or contact lenses, though other eye exams, individual eyeglass lenses, individual eyeglass frames, and upgrades are not covered.
Dental Services See details
BlueCare Plus Select (HMO D-SNP) partially covers dental services, offering Medicare-covered dental care with no copay and a 20% coinsurance. Other covered preventive and comprehensive services have no copay and no coinsurance up to a $3,000 yearly maximum, but fluoride, implants, orthodontics, removable prosthodontics, maxillofacial prosthetics, adjunctive general services, and other diagnostic or preventive services are not covered.
Home Infusion bundled Services See details
BlueCare Plus Select (HMO D-SNP) covers home infusion bundled services with no copay, although prior authorization is required. Medicare Part B chemotherapy, radiation, and other drugs feature no coinsurance to 20% coinsurance, while Medicare Part B insulin drugs carry a $35 copay and no coinsurance to 20% coinsurance.
Dialysis Services See details
Dialysis Services are covered by BlueCare Plus Select (HMO D-SNP) with no copay and a 20% coinsurance, though prior authorization is required.
Medical Equipment See details
BlueCare Plus Select (HMO D-SNP) covers durable medical equipment, prosthetics, medical supplies, and diabetic equipment with no copay and a 20% coinsurance. Prior authorization is required for these benefits, and diabetic supplies are limited to specified manufacturers.
Diagnostic and Radiological Services See details
Diagnostic and radiological services are covered by BlueCare Plus Select (HMO D-SNP) with no copay and a 20% coinsurance for diagnostic procedures, lab services, radiological services, and X-rays. Prior authorization is required for all of these covered services.
Home Health Services See details
Home health services are covered by BlueCare Plus Select (HMO D-SNP) with no copay and no coinsurance, though prior authorization is required.
Cardiac Rehabilitation Services See details
BlueCare Plus Select (HMO D-SNP) covers Cardiac Rehabilitation Services with no copay and prior authorization required, though in practice only some services are covered. Standard cardiac, intensive cardiac, pulmonary, and supervised exercise therapy (SET) for peripheral artery disease (PAD) services are not covered and require a 20% coinsurance.
Skilled Nursing Facility (SNF) See details
BlueCare Plus Select (HMO D-SNP) covers Skilled Nursing Facility (SNF) services with no coinsurance, requiring prior authorization but no preceding three-day hospital stay. There is no copay for days 1 through 20, a daily copay of $218 for days 21 through 100, and additional days beyond the Medicare limit are not covered.
Other Services See details
BlueCare Plus Select (HMO D-SNP) partially covers other services, offering a chronic illness meal benefit and over-the-counter items with no copay and no coinsurance. Acupuncture is not covered under this plan.
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